John Everest | Everest Mortgages

HMO Mortgages for Shoreham Landlords

NewsApril 9, 2026201Views 0Likes 0Comments

Quick Answer: HMO Mortgages in Shoreham-by-Sea An HMO mortgage in Shoreham-by-Sea is a specialist loan used to finance properties rented to multiple tenants who share facilities. Lenders usually require larger deposits (often around 25%), landlord experience, and proof that the rental income covers the mortgage. Local rules from Adur & Worthing Council and HMO licensing…

Buy-to-Let Mortgages in Shoreham-by-Sea

NewsApril 6, 2026211Views 0Likes 0Comments

Quick Answer: Buy-to-Let Mortgages in Shoreham-by-Sea A buy-to-let mortgage in Shoreham-by-Sea is a loan used to purchase property that you plan to rent out rather than live in. Lenders usually require a 25%+ deposit, good credit history, and rental income that covers around 125–145% of the mortgage interest. Eligibility, rates, and borrowing limits vary by…

Right to Buy Mortgages in Worthing

NewsApril 2, 2026210Views 0Likes 0Comments

Quick Answer: Right to Buy Mortgages in Worthing If you’re a council tenant in Worthing, a Right to Buy mortgage can help you buy your home at a discounted price, often using the discount as your deposit. Eligibility depends on tenancy length, property type, and credit. Local properties in BN11 and BN12 may qualify, but…

What Is a Shared Ownership Mortgage? Brighton & Hove Market

NewsMarch 30, 2026245Views 0Likes 0Comments

Quick Answer: What Is a Shared Ownership Mortgage in Brighton & Hove? A shared ownership mortgage in Brighton & Hove lets you buy a share of a property (typically 25%–75%) and pay rent on the remaining share to a housing association. This reduces the deposit and mortgage needed compared with buying outright. It can make…

How to Get a Mortgage with No Deposit in Worthing?

NewsMarch 26, 2026224Views 0Likes 0Comments

Quick Answer: Getting a Mortgage with No Deposit in Worthing Getting a mortgage with no deposit in Worthing is possible, but options are limited and strict criteria apply. Some lenders may offer 100% LTV mortgages, while others allow guarantor or family-assisted schemes. Approval usually depends on strong credit, stable income, and affordability checks. Availability varies…

Mortgage with Bad Credit in Shoreham-by-Sea

NewsMarch 23, 2026229Views 0Likes 0Comments

Yes, you can get a mortgage with bad credit in Shoreham-by-Sea, but approval depends on your overall profile. Lenders look at your full credit file (arrears, CCJs, defaults, recency), deposit size, income, and affordability. Working with a specialist broker and preparing clear documentation improves your chances of securing a mortgage, even if high street banks…

Brighton & Hove Is Expensive—But These 8 Areas Are the “Value Pockets” No One Talks About

NewsMarch 23, 2026510Views 0Likes 0Comments

Brighton and Hove are among the most popular places to live in the UK, with a seaside lifestyle, a great food scene, culture, and easy links to London. But all of that comes at a price, and for many buyers, it can feel like the market is completely out of reach. If you’ve ever thought,…

The Ultimate Guide to Credit Scores: Master Your Finances & Secure Your Mortgage

NewsMarch 20, 2026604Views 0Likes 0Comments

Buying a home is more than just a financial transaction; it is a monumental milestone that provides security, stability, and a sense of accomplishment. However, in the modern UK economy, the path to homeownership is guarded by a "financial gatekeeper": your credit score. Many first-time buyers, home movers, and those looking to remortgage ask the…

What is Remortgaging? (The Basics for Worthing Homeowners)

NewsMarch 19, 2026197Views 0Likes 0Comments

If you’re a homeowner in Worthing, you’ve probably heard the term remortgaging, but what does it actually mean? In simple terms, remortgaging is when you switch your mortgage to a new lender or take a new deal with your existing lender. People usually do this to get a better interest rate, release equity from their…

Are Mortgage Rates Going Down in Brighton & Hove?

NewsMarch 16, 2026244Views 0Likes 0Comments

Quick Answer Getting a mortgage in Brighton & Hove depends on factors such as income, deposit size, credit history, and lender criteria. Property prices in the area are higher than the UK average, so affordability checks are important. Mortgage options vary widely, and approval is always subject to lender policies, affordability assessments, and individual financial…

The Complete Guide to Remortgaging (2026)

NewsMarch 13, 2026608Views 0Likes 0Comments

Refinancing a property is often viewed merely as a bureaucratic necessity, yet for the savvy homeowner, it represents one of the most powerful financial levers available. As we navigate the economic landscape of March 2026, the importance of active mortgage management has never been more acute. With the Bank of England maintaining a base rate…

Ultimate Guide to the Mortgage Application Process

NewsMarch 13, 2026582Views 0Likes 0Comments

Phase 1: The First-Time Buyer’s Foundation Embarking on the journey of purchasing a home begins with the crucial step of securing a mortgage. If you’re a first-time buyer, getting a mortgage can be daunting; there are many things to consider, and it’s important to be prepared before starting the process. This guide is designed to…